"A study by Sheffield Hallam University researchers in 2015 found around a fifth of the people using homeless services had been put in that position directly because of these new benefit-withholding penalties."

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The conversion of means-tested grants into loans has meant that the poorest students end up graduating with the biggest debts, says Lord Forsyth.

And he warns that the current repayment system was more expensive for people in middle income jobs such as nursing, rather than high-paid lawyers or financiers, who would pay off their debts more quickly.

"The people who get screwed by this are those in the middling jobs," says Lord Forsyth.

"This was all done on the basis that it would create a market in higher education - and that has failed, there isn't a market."

Lord Forsyth says that there is no meaningful consumer choice or competition - and he dismissed the system for rating teaching quality in universities, the teaching excellence framework, as a "bit of a joke".

"Because no-one ever turns up to look at the teaching," says Lord Forsyth.

“In 2015 the government started hacking and slashing at all manner of green policies. This has stopped, and that’s very welcome,” he said.

Richard Black, the director of the Energy and Climate Intelligence Unit thinktank, echoed that view. He said the strategy showed a “sea change” in “top-line thinking about the low carbon economy”, with Theresa May’s government seeing it as an opportunity rather than a cost as it was viewed under David Cameron.